互联网金融的法律监管问题研究

发布时间：2018-06-16 22:28

本文选题：互联网金融 + 模式创新　；参考：《东南大学》2016年硕士论文

【摘要】：以2013年6月13日阿里巴巴旗下的支付宝公司推出余额宝平台为重要节点,我国互联网金融势如破竹般的猛烈冲击着传统金融业在我国近乎垄断的霸主地位,改变着金融界的格局,然而互联网金融在弥补传统金融不足的同时也导致了许多法律监管难题,传统金融的监管法律都是针对单一的经营模式设定,而互联网金融混业经营的模式在我国无任何先例可循,因而我们需要进行不断的探讨和学习,使我国的法律监管体系跟上互联网金融创新的步伐。本文第一章首先通过分析互联网金融发展中的模式创新与市场监管,指出互联网金融发展是以效率为导向的模式创新,具体论述了互联网金融创新中的三大最具代表的模式以及这些模式创新产生的原因；其次,通过证明互联网金融发展需要接受以安全为保障的市场监管,以P2P为例阐述了模式创新带来的法律监管难题,通过分析我国现行市场监管现状指出我国需要加强互联网金融法律监管的必要性；第二章分析互联网金融发展过程中面临的法律监管难题,包括互联网金融法律法规缺漏、现行监管体制和规则的执行难以适应互联网金融的发展、互联网金融电子合同采信难、互联网征信存在诸多不足、失信惩戒机制作用难以发挥等。第三章是针对上一章节互联网金融发展过程中遇到的法律监管难题,提出相关完善建议,例如加强互联网金融立法及相关法律法规的修订、执行多层次法律监管机制、提高司法实践中对电子数据的采信、建立社会征信体系保护消费者权益等。
[Abstract]:Taking the Yu'e Bao platform launched by Alipay Company of Alibaba on June 13, 2013 as an important node, the Internet finance of our country is storming the traditional financial industry's monopoly position in our country. It is changing the pattern of financial circles. However, Internet finance not only makes up for the shortage of traditional finance, but also leads to many problems of legal supervision. However, there is no precedent for the mode of mixed operation of Internet finance in our country, so we need to explore and study constantly, so that the legal supervision system of our country can keep up with the pace of Internet financial innovation. In the first chapter, by analyzing the mode innovation and market supervision in the development of Internet finance, the author points out that the development of Internet finance is efficiency oriented mode innovation. This paper discusses the three most representative models of Internet financial innovation and the reasons for the innovation. Secondly, by proving that the development of Internet finance needs to accept the market supervision with safety as the guarantee, Taking P2P as an example, this paper expounds the difficult problems of legal supervision brought by the innovation of mode, and points out the necessity of strengthening the legal supervision of Internet finance by analyzing the current situation of market supervision in China. The second chapter analyzes the legal supervision problems in the development of Internet finance, including the lack of Internet financial laws and regulations, the current regulatory system and the implementation of rules and regulations are difficult to adapt to the development of Internet finance, Internet financial electronic contracts are difficult to adopt. There are many shortcomings in Internet credit checking, and it is difficult to play the role of dishonest punishment mechanism and so on. The third chapter is aimed at the legal supervision problems encountered in the development of Internet finance in the last chapter, and puts forward some relevant suggestions, such as strengthening the revision of Internet financial legislation and related laws and regulations, and implementing the multi-level legal supervision mechanism. To improve the use of electronic data in judicial practice, to establish a social credit system to protect the rights and interests of consumers.
【学位授予单位】：东南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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